CN115829563A

CN115829563A - Money management method and device

Info

Publication number: CN115829563A
Application number: CN202211505741.6A
Authority: CN
Inventors: 张明燕
Original assignee: Beijing Jingdong Zhenshi Information Technology Co Ltd
Current assignee: Beijing Jingdong Zhenshi Information Technology Co Ltd
Priority date: 2022-11-28
Filing date: 2022-11-28
Publication date: 2023-03-21

Abstract

The invention discloses a method and a device for money management, and relates to the technical field of computers. One embodiment of a method of money management comprises: in response to receiving a prepaid recharge request, generating a prepaid recharge form, and associating the prepaid recharge form with a corresponding prepaid account; responding to a pre-payment deduction request aiming at the pre-payment account, determining partial or all pre-payment charging notes associated with the pre-payment account as target pre-payment charging notes according to a settlement amount analyzed from the pre-payment deduction request, determining the deduction amount of each target pre-payment charging note, and generating a pre-payment settlement note; and carrying out fund settlement according to the pre-payment settlement bill, and updating the available amount of each target pre-payment recharge bill according to a settlement result. The implementation mode makes the fund situation in the pre-payment account clearer, improves the flexibility of fund access in the account and is beneficial to refining the fund management of the pre-payment account.

Description

Money management method and device

Technical Field

The invention relates to the technical field of computers, in particular to a method and a device for money management.

Background

After the transaction contract is signed, the buyer pays a certain amount of money for the labor or products provided by the seller in advance as a prepayment, which is beneficial to fund turnover of the seller and better fulfills the transaction contract. The pre-payment is typically charged to a pre-established account on which the seller performs a deductive verification based on the actual generated cost data.

In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:

the use of the prepayment is not clear, and detailed management of funds in the account cannot be carried out.

Disclosure of Invention

In view of this, embodiments of the present invention provide a method and an apparatus for money management, which can make the fund situation in the prepaid account clearer, improve the flexibility of fund access in the account, and improve the refinement degree of fund management of the prepaid account.

To achieve the above object, according to a first aspect of embodiments of the present invention, there is provided a money management method including:

in response to receiving a prepaid recharge request, generating a prepaid recharge bill, and associating the prepaid recharge bill with a corresponding prepaid account; the prepaid recharge ticket comprises: a charging bill identification and an available amount;

responding to a pre-payment deduction request aiming at the pre-payment account, determining partial or all pre-payment charging notes associated with the pre-payment account as target pre-payment charging notes according to a settlement amount analyzed from the pre-payment deduction request, determining the deduction amount of each target pre-payment charging note, and generating a pre-payment settlement note; the prepaid balance ticket includes: the settlement bill identification, the recharge bill identification and the deduction amount of each target prepayment recharge bill;

and carrying out fund settlement according to the pre-payment settlement bill, and updating the available amount of each target pre-payment recharge bill according to a settlement result.

Optionally, determining part or all of the prepaid bills associated with the prepaid account as target prepaid bills, and determining a deduction amount of each target prepaid bill, includes:

obtaining the available amount of a plurality of prepaid recharge lists associated with the prepaid account, and displaying the available amount; receiving a deduction instruction of a user, wherein the deduction instruction indicates a charging bill identifier and a deduction amount of a target prepaid charging bill for performing prepaid deduction; and determining each target prepayment recharge sheet for prepayment deduction and the deduction amount thereof according to the deduction instruction.

Optionally, after generating the prepaid billing statement, the method further comprises:

and freezing funds with the same amount as the corresponding deduction amount in each target prepaid recharge note, and updating the available amount of each target prepaid recharge note.

Optionally, after freezing funds in each of the target prepaid recharge notes in an amount equal to the corresponding deduction amount, the method further comprises:

and in response to the condition that the pre-payment settlement sheets are invalidated or the settlement result indicates settlement failure, defreezing funds corresponding to each target pre-payment charging sheet.

Optionally, before associating the prepaid recharge ticket with the corresponding prepaid account, the method further comprises:

and under the condition that the prepaid account is not found, establishing the prepaid account according to the prepaid recharge request.

Optionally, creating the prepaid account according to the prepaid recharge request comprises:

and acquiring account dimension configuration information, and creating a prepaid account corresponding to the prepaid recharging request according to the account dimension configuration information.

Optionally, the method further comprises:

and generating a data analysis billboard according to the prepaid account, the real-time prepaid recharge bill and the prepaid settlement bill.

According to a second aspect of the embodiments of the present invention, there is provided an apparatus for money management, including:

the prepayment recharging bill generating module is used for responding to the received prepayment recharging request, generating a prepayment recharging bill and associating the prepayment recharging bill with a corresponding prepayment account; the prepaid recharge ticket comprises: the identification of the charging bill and the available amount;

the pre-payment bill generation module is used for responding to a pre-payment deduction request aiming at the pre-payment account, determining part or all pre-payment charging bills related to the pre-payment account as target pre-payment charging bills according to the settlement amount analyzed from the pre-payment deduction request, determining the deduction amount of each target pre-payment charging bill and generating the pre-payment bill; the prepaid balance ticket includes: the settlement bill identification, the recharge bill identification and the deduction amount of each target prepayment recharge bill;

and the fund settlement module is used for performing fund settlement according to the pre-payment settlement tickets and updating the available amount of each target pre-payment recharge ticket according to the settlement result.

Optionally, determining part or all of the prepaid bills associated with the prepaid account as target prepaid bills, and determining the deduction amount of each target prepaid bill, includes:

obtaining the available amount of a plurality of prepaid recharge lists related to the prepaid account, and displaying the available amount; receiving a deduction instruction of a user, wherein the deduction instruction indicates a charging bill identifier and a deduction amount of a target prepaid charging bill for performing prepaid deduction; and determining each target prepayment recharging bill for prepayment deduction and the deduction amount thereof according to the deduction instruction.

Optionally, the apparatus further comprises: and the fund freezing module is used for freezing funds with the same amount as the corresponding withholding amount in each target prepaid recharge bill and updating the available amount of each target prepaid recharge bill.

Optionally, the apparatus further comprises: and the fund unfreezing module is used for unfreezing the fund corresponding to each target prepaid charging bill in response to the fact that the prepaid settlement bill is invalidated or the settlement result indicates settlement failure.

Optionally, the apparatus further comprises: and the pre-payment account creating module is used for creating the pre-payment account according to the pre-payment recharging request under the condition that the pre-payment account is not found.

Optionally, creating the prepaid account according to the prepaid recharge request includes:

Optionally, the apparatus further comprises: and the data analysis billboard generation module is used for generating a data analysis billboard according to the prepaid account, the real-time prepaid recharge bill and the prepaid settlement bill.

According to a third aspect of embodiments of the present invention, there is provided an electronic apparatus, including:

one or more processors;

a storage device for storing one or more programs,

when the one or more programs are executed by the one or more processors, the one or more processors implement the method of any of the embodiments described above.

According to a fourth aspect of embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor implements the method of any of the above embodiments.

One embodiment of the above invention has the following advantages or benefits: the target prepaid charging bill and the deduction amount thereof are determined through the settlement amount, the settlement bill can be associated with the charging bill, and the flexibility of payment of funds in the prepaid account is improved; the fund settlement is carried out according to the settlement bill, and the available amount of the prepaid recharge bill is updated, so that the fund condition in the prepaid account can be clearer, and the detailed degree of the fund management of the prepaid account is improved; the fund with the same amount as the deduction amount is frozen and the available amount is updated, so that the condition that the expenditure of the target prepaid recharge bill exceeds the amount of the target prepaid recharge bill can be avoided, and the fund use plan can be conveniently formulated according to the available amount; the data analysis billboard is generated according to the pre-payment account, the real-time pre-payment recharging bill and the pre-payment settlement bill, the using condition of funds in the pre-payment account can be presented in real time, and the pre-payment deduction and verification, the financial fund control and the actual cost verification and analysis are facilitated.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

fig. 1 is a schematic diagram of a main flow of a method of money management according to an embodiment of the present invention;

FIG. 2 is a schematic flow diagram of the system cooperation of the pre-payment verification deduction of the method of money management according to an embodiment of the present invention;

fig. 3 is a schematic diagram of a collaboration flow of each technical layer of a method of money management according to a referential embodiment of the present invention;

FIG. 4 is a diagram illustrating prepaid deduction request information according to a referential embodiment of the present invention;

FIG. 5 is a schematic illustration of a prepaid recharge slip associated with a prepaid account in accordance with another referenced embodiment of the present invention;

FIG. 6 is a schematic diagram of the main modules of an apparatus for money management according to an embodiment of the present invention;

FIG. 7 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;

fig. 8 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

In the technical solution of the present invention, the processes of collecting, using, saving, sharing, transferring and the like of the personal information of the related user all conform to the regulations of related laws and regulations, and need to inform the user and obtain the consent or authorization of the user, and when applicable, the personal information of the user is subjected to the technical processes of de-identification and/or anonymization and/or encryption.

After the transaction contract is made, the buyer typically pays the seller a predetermined amount for the labor or product. The advance payment is free of business risks, which act as an honest for the buyer to fulfill the contract and also facilitate the seller's turnover of funds, thereby making the seller more eligible to fulfill the contract obligation. The prepayment is usually charged into a preset account, and during settlement, actual deduction and verification are carried out through the account, and the whole process is operated based on the account.

The method is characterized in that recharging operation and settlement operation are performed on the account level aiming at the prepayment, a specific prepayment recharging bill cannot be flexibly selected for deduction, the prepayment use condition in the account is not clear, the management of the prepayment in the account is not careful, and risks exist in the aspects of financial analysis and fund control.

In view of this, according to a first aspect of the embodiments of the present invention, a method of money management is provided.

Fig. 1 is a schematic diagram of a main flow of a method of money management according to an embodiment of the present invention. As shown in fig. 1, the method of money management according to the embodiment of the present invention mainly includes steps S101 to S103 as follows.

Step S101, responding to the received prepayment recharging request, generating a prepayment recharging bill, and associating the prepayment recharging bill with a corresponding prepayment account; the prepaid recharge ticket comprises: the identification of the charging bill and the available amount.

In the embodiment of the present invention, the execution subject (for example, a server) of the money management method may receive the prepaid recharge request through a wired connection or a wireless connection. Each service has a special prepayment for the service, and prepayment recharging requests are sent out aiming at different services, and information of corresponding dimensionality needs to be filled in. The prepaid recharge request may include the following information: service or product supplier codes and names, service line numbers and names, service areas, prepaid recharge bodies, expense types, payment amounts, expected payment time, bank accounts, account names of the issuer, contact numbers, prepaid recharge requesters, request time and remarks. And generating a corresponding prepaid recharge bill according to the prepaid recharge request information, and determining a prepaid account corresponding to the prepaid recharge bill. And after the examination and approval of the prepaid recharge bill is passed, storing the prepaid to be recharged into the prepaid account for prepaid recharge. Each prepaid recharge bill has a unique recharge bill identification and an account identification of a prepaid account corresponding to the prepaid recharge bill, the prepaid recharge bill can be associated with the corresponding prepaid account according to the account identification, and the unique prepaid recharge bill can be determined according to the recharge bill identification. In addition, the prepaid recharge bill also includes an available amount that is queried to indicate the prepaid amount in the prepaid recharge bill that can be used for settlement.

Fig. 2 is a schematic view of the system cooperation flow of the pre-payment verification deduction of the money management method according to the embodiment of the invention. As shown in fig. 2, the procedure of pre-payment verification and deduction is mainly completed through the cooperation of the following four systems: a settlement system, an account system, a funding system, and an EBS (E-Business Suite) system. When prepayment recharging is carried out, firstly, a settlement system receives a prepayment recharging request and generates a prepayment recharging bill according to prepayment recharging request information; the account system finds the corresponding prepaid account according to the account mark in the prepaid recharge bill and associates the prepaid recharge bill with the prepaid account; after the examination and approval of the prepaid recharge bill is passed, the fund system stores the prepaid into the prepaid account to carry out actual prepaid recharge; and the EBS system enters the pre-paid recharge bill for storage.

The management of the prepaid account can be refined to each prepaid recharge bill corresponding to the prepaid account by associating the prepaid recharge bill with the prepaid account, and the prepaid amount which can be used for settlement in each prepaid recharge bill of the prepaid account is displayed by inquiring the account amount, so that the fund condition in the prepaid account can be clearer, and the refinement degree of the fund management of the prepaid account is further improved.

According to one embodiment of the present invention, before associating the prepaid recharge bills with the corresponding prepaid accounts, the method further comprises: and under the condition that the pre-payment account corresponding to the pre-payment recharging bill is not found, establishing the corresponding pre-payment account according to the pre-payment recharging request.

Typically, the prepaid recharge notes can be associated to the corresponding prepaid account according to the account identification. And under the condition that the prepaid recharge bill is not associated to the prepaid account, the account system creates a corresponding prepaid account according to the prepaid recharge request, and associates the prepaid recharge bill through the account identifier. Exemplarily, when the logistics service is subjected to the first prepaid recharge, a corresponding prepaid recharge bill is generated according to the prepaid recharge request, but since the first recharge is performed and the account system does not have the prepaid account corresponding to the logistics service, the association cannot be performed, and the corresponding prepaid account needs to be created according to the prepaid recharge request, and then the prepaid recharge bill is associated with the corresponding prepaid account.

Under the condition that the associated account is not found, the prepaid account is established according to the prepaid charging notes, the association of the prepaid account corresponding to each prepaid charging note can be ensured, the prepaid charging notes are prevented from being lost in the system, the fund accounting problem is reduced, and the fund management guarantee is enhanced.

According to another embodiment of the present invention, creating the prepaid account according to the prepaid recharge request comprises: obtaining account dimension configuration information, and creating a prepaid account corresponding to the prepaid recharging request according to the account dimension configuration information

Different services can have the same or different prepaid accounts, when creating a prepaid account, corresponding account dimension configuration information can be obtained from a prepaid recharge request, and the default account dimension configuration information can include: settlement service, service or product supplier name and number, settlement area, prepaid recharge body, service line name and number, etc. Different services can have different account dimension configuration information according to service characteristics, for example, information of other dimensions such as region information of service or product supply is added on the basis of default account dimension configuration information. Account dimensions required to create a prepaid account are preconfigured prior to receiving a prepaid recharge request. Creating a prepaid account corresponding to the prepaid recharge request according to the acquired account dimension configuration information, and associating the prepaid account with the prepaid recharge bill, wherein the structures of the prepaid account and the prepaid recharge bill can be general score structures, namely: one prepaid account is associated with one or more prepaid recharge slips.

The corresponding prepaid accounts are created according to the account dimension configuration information, the association information of the prepaid accounts can be enriched, and different prepaid accounts have different account dimension configuration information, so that the association information is closer to the corresponding business requirements, and the prepaid accounts of different businesses can be managed more specifically.

Fig. 3 is a schematic diagram of a collaboration flow of each technical layer of a method of money management according to a referential embodiment of the present invention. As shown in fig. 3, the money management method mainly includes, in a technical level: the system comprises a front-end operation layer, a data interaction layer, a data storage layer and a data integration layer. The front-end operation layer receives the prepaid recharge request and generates a plurality of prepaid recharge lists. And associating the prepaid recharge bill with the corresponding prepaid account according to the account identifier in the prepaid recharge bill, and if the corresponding prepaid account is not found, establishing the corresponding prepaid account according to the account dimension configuration information. The data interaction layer uses an RPC (Remote Procedure Call) service framework and a message middleware technology, the prepaid recharging bill information and the prepaid account information are transmitted to the data storage layer through the data transmission interface, and under the condition that a plurality of prepaid recharging requests are received at the same time, the data interaction layer can realize the synchronous and real-time transmission of data. Illustratively, JSF (Jingdong Service Framework) Service Framework and JMQ (Jingdong Message Queue) Message middleware are used as technology alternatives of the data interaction layer. The data storage layer receives the prepaid recharge bill information and the prepaid account information and performs real-time associated storage, one prepaid account is associated with one or more prepaid recharge bills, and the prepaid recharge bills associated with the prepaid accounts can be obtained simultaneously by inquiring the prepaid account information.

Step S102, responding to a pre-payment deduction request aiming at the pre-payment account, determining partial or all pre-payment charging notes related to the pre-payment account as target pre-payment charging notes according to a settlement amount analyzed from the pre-payment deduction request, determining the deduction amount of each target pre-payment charging note, and generating a pre-payment settlement note; the prepaid balance ticket includes: and the bill identification, the charging bill identification of each target prepaid charging bill and the deduction amount.

In the embodiment of the present invention, the execution subject (for example, a server) of the money management method may receive the prepaid deduction request through a wired connection or a wireless connection. The payment mode of the pre-payment deduction request is pre-payment deduction, and the information of the pre-payment deduction request comprises:

a settlement order number, a settlement subject, a settlement amount, a fee type, a charge subject, a service or product provider name, a prepaid account identifier for prepaid deductions, and the like.

And determining target prepaid recharge lists associated with the prepaid account and the deduction amount of each target prepaid recharge list according to the settlement amount in the prepaid deduction request. Illustratively, 5 arranges the available amount of the prepaid recharge notes in the prepaid account according to the available amount from high to low, and uses the available amount of the prepaid recharge notes for deducting the settlement amount in sequence, for example, in sequence, the available amounts of the first five prepaid recharge notes are enough to deduct the settlement amount, then the five prepaid recharge notes are target prepaid recharge notes, wherein the deduction amounts of the first four target prepaid recharge notes are all available amounts thereof, and the deduction amount of the fifth target prepaid recharge note is 0, which is the remaining settlement amount obtained by subtracting the available amounts of the first four target prepaid recharge notes from the settlement amount. Further exemplarily, the withholding amount can be randomly distributed to the prepaid charging note in the prepaid account, only the withholding amount is ensured not to be larger than the available amount of the prepaid charging note, and the target prepaid charging note and the withholding amount thereof are determined according to the random distribution result. And generating a pre-payment settlement list according to the pre-payment deduction request, the target pre-payment account and the deduction amount. The 5 prepaid invoice may include the following information: and the settlement bill identification, the recharge bill identification and the deduction amount of each target prepayment recharge bill.

As shown in fig. 2, the settlement system receives the pre-payment deduction request, and generates the pre-payment settlement sheet after determining the target pre-payment recharge sheet and the deduction amount thereof according to the settlement amount. Fig. 4 is a schematic diagram of information of a prepaid deduction request according to a referential embodiment of the present invention, and as shown in fig. 4, the prepaid deduction request includes: serial number, bill number, charge subject, charge type, prepaid account identification, settlement subject, settlement amount, and the like. And determining a target prepayment recharging bill and the deduction amount thereof according to the settlement amount in the prepayment deduction request, thereby generating a prepayment settlement bill.

The target prepayment charging bill and the deduction amount thereof are determined through the settlement amount, the settlement 5 bill can be associated with the charging bill, the flexibility of payment of funds in the prepayment account is improved, the deduction process of the prepayment account is clear, and the fund management of the prepayment account is facilitated.

According to a reference embodiment of the present invention, determining part or all of the prepaid bills associated with the prepaid account as target prepaid bills, and determining the deduction amount of each target prepaid bill comprises: acquiring available amounts of a plurality of prepaid 0-money recharging lists associated with the prepaid account, and displaying the available amounts; receiving a deduction instruction of a user, wherein the deduction instruction indicates a charging bill identifier and a deduction amount of a target prepaid charging bill for performing prepaid deduction; and determining each target prepayment recharge sheet for prepayment deduction and the deduction amount thereof according to the deduction instruction.

Fig. 5 is a schematic diagram of a prepaid recharge ticket associated with a prepaid account according to another referenced embodiment of the present invention. As shown in fig. 5, the prepaid account is associated with six prepaid bills, and the information of the prepaid bills includes: the information item of the prepaid charging bill can be filled in the information item to be filled in, and the information of the deduction amount in a part or all of the prepaid charging bill can be filled in. And taking the information of the filled prepaid recharge notes as a deduction instruction, thereby obtaining the recharge note identification and the deduction amount of the target prepaid recharge notes for performing prepaid deduction, and determining each target prepaid recharge note for performing prepaid deduction and the deduction amount thereof according to the deduction instruction.

As shown in fig. 3, when receiving the pre-payment deduction request, the front-end operation layer obtains and displays a plurality of pre-payment recharge notes associated with the pre-payment account and available amounts thereof according to the settlement amount in the pre-payment deduction request and the pre-payment account, and after receiving the deduction instruction of the user, the front-end operation layer obtains a target pre-payment recharge note for pre-payment deduction and a deduction amount thereof. As shown in fig. 3, the prepaid recharge notes and their available amounts are, illustratively: a prepaid recharge note A, an available amount a; a prepaid recharge note B, an available amount B; prepaid recharge bill C, available amount C. Obtaining a target prepaid recharge bill and the deduction amount thereof from the prepaid recharge bill according to the deduction instruction, wherein the target prepaid recharge bill and the deduction amount are respectively as follows: a prepaid recharge bill A, a deduction amount x; a prepaid recharge bill B, a deduction amount y; prepaid recharge bill C, amount z to be deducted.

The target prepaid recharge bill and the deduction amount thereof are determined through the deduction instruction, so that the flexibility of fund payment in the prepaid account is further improved, the deduction process of the prepaid account is clear, and the fund use of the prepaid account is conveniently planned.

According to another embodiment of the present invention, after the generating the prepaid billing statement, the method further comprises: and (4) freezing funds with the same amount as the corresponding deduction amount in each target prepaid recharge note, and updating the available amount of each target prepaid recharge note.

As shown in fig. 2, after the settlement system generates the prepaid settlements, the account system will freeze funds in each target prepaid recharge form for an amount equal to the corresponding deduction amount. As shown in fig. 3, after the pre-payment settlement sheet is generated, the data interaction layer transmits information such as the target pre-payment voucher and the deduction amount thereof to the data storage layer, the data storage layer freezes the available amount of each target pre-payment voucher in the amount equal to the deduction amount in the pre-payment account according to the corresponding deduction amount in the target pre-payment voucher, and updates the available amount of each target pre-payment voucher, illustratively, after freezing the funds and updating the available amount, the available amount of the pre-payment voucher a is (a-x), the available amount of the pre-payment voucher B is (B-y), and the available amount of the pre-payment voucher C is (C-z).

The method has the advantages that the available amount is pre-occupied by freezing the available amount equal to the deduction amount, the using conditions of the available amount are conveniently sequenced, the condition that the expenditure of a target pre-payment recharging list exceeds the amount of the target pre-payment recharging list, the fund using plan is conveniently formulated according to the available amount, meanwhile, the deduction process of the pre-payment account is further clear, and the management of the pre-payment account is favorably refined.

According to another embodiment of the present invention, after freezing the funds in each of the target prepaid recharge notes in an amount equal to the corresponding deduction amount, the method further comprises: and in response to the prepayment settlement bill being invalidated or the settlement result indicating settlement failure, unfreezing funds corresponding to each target prepayment charging bill.

Illustratively, because the service plan changes, the previously generated prepaid balance is cancelled or invalidated, and the funds in the amount equal to the corresponding deduction amount in each target prepaid recharge bill are frozen in the prepaid account, and the frozen funds are not settled, so that the frozen funds are defrosted and restored to the available amount. As shown in fig. 3, if the prepaid account ticket is invalidated, the target prepaid charge ticket and the deduction amount thereof are also invalidated, the available amount of the prepaid charge ticket a is restored to a, the available amount of the prepaid charge ticket B is restored to B, and the available amount of the prepaid charge ticket C is restored to C.

In another example, if the deduction amount of the target prepaid charging note is larger than the available amount, the settlement result will indicate the settlement failure, and the fund with the same amount as the corresponding deduction amount in each target prepaid charging note is also thawed. In order to avoid the situation that settlement fails because the deduction amount is larger than the available amount, when the target prepayment charging bill and the deduction amount are determined, the available amount and the deduction amount of the target prepayment charging bill are compared, when the deduction amount is larger than the available amount, the deduction amount abnormal information is returned, settlement is stopped, settlement abnormity is found in advance, and the prepayment settlement efficiency is improved.

According to the fact that the pre-payment settlement bill is invalidated or the settlement result indicates that settlement is failed, frozen funds are unfrozen, the frozen funds can be recovered to be in an available state, the available amount of the pre-payment account can be accurately recorded, and the fund security of the pre-payment account is enhanced.

And step S103, carrying out fund settlement according to the prepayment settlement sheets, and updating the available amount of each target prepayment charging sheet according to the settlement result.

As shown in fig. 2, after the examination and approval of the prepaid account bill is passed, the actual settlement is performed on the funds frozen in the target prepaid charge bill, the prepaid account bill is posted, and the withholding details such as the prepaid account bill, the target prepaid charge bill and the withholding amount thereof are saved. As shown in fig. 3, in the data integration layer, according to the prepaid settlement sheet obtained by the target prepaid recharge sheet and the deduction information thereof, the fund settlement is performed in the data storage layer, the amount in the prepaid account is actually deducted, and the available amount of each target prepaid recharge sheet is updated. And synchronously storing the amount information of the prepaid recharge bill used by the prepaid settlement bill in the data storage layer according to the settlement result. Illustratively, the available amount of the pre-paid voucher A after the fund settlement is (a-x), the available amount of the pre-paid voucher B after the fund settlement is (B-y), and the available amount of the pre-paid voucher C after the fund settlement is (C-z).

By means of fund settlement and updating the available amount of the target prepaid recharge bill, detailed management of the prepaid account can be further achieved, and fund use planning can be conveniently formulated according to the available amount.

According to still another referential embodiment of the present invention, the money management method further includes: and generating a data analysis billboard according to the prepaid account, the real-time prepaid recharge bill and the prepaid settlement bill.

As shown in fig. 3, in the data integration layer, the integration of the pre-payment settlement statement details and the pre-payment recharging statement details is realized through big data offline drawing processing, and the service line, the financial accounting rule and the financial accounting subject matching rule are configured, so as to finally generate the data analysis billboard of the pre-payment account. Illustratively, based on the real-time historical data table of the prepaid accounts, data is extracted from the data table periodically, and the extracted data is classified and processed according to the financial accounting requirements (for example, data summarization is performed according to the access condition of each prepaid account), and a corresponding real-time monitoring billboard is displayed according to the business requirements on the front-end operation layer; and the processed data is supported to be inquired and exported.

By generating the data analysis billboard, the using condition of funds in the pre-payment account can be presented in real time, so that the deduction and the verification of the pre-payment, the control of financial funds and the verification and analysis of actual cost are facilitated.

According to a second aspect of embodiments of the present invention, there is provided an apparatus for money management.

Fig. 6 is a schematic diagram of main modules of a money management apparatus according to an embodiment of the present invention, and as shown in fig. 6, the money management apparatus 600 mainly includes:

the prepaid recharge bill generation module 601 is configured to generate a prepaid recharge bill in response to receiving a prepaid recharge request, and associate the prepaid recharge bill with a corresponding prepaid account; the prepaid recharge sheet comprises: a charging bill identification and an available amount;

the prepaid bill generation module 602 is configured to, in response to a prepaid deduction request for the prepaid account, determine, according to an amount of a bill parsed from the prepaid deduction request, that a part or all of prepaid recharge bills associated with the prepaid account are used as target prepaid recharge bills, determine a deduction amount of each target prepaid recharge bill, and generate prepaid billing bills; the prepaid balance ticket includes: the settlement bill identification, the recharge bill identification and the deduction amount of each target prepayment recharge bill;

and the fund settlement module 603 is configured to perform fund settlement according to the prepaid settlement tickets, and update the available amount of each target prepaid recharge ticket according to a settlement result.

According to one embodiment of the present invention, determining a part or all of the prepaid bills associated with the prepaid account as target prepaid bills, and determining the deduction amount of each of the target prepaid bills comprises:

According to another embodiment of the invention, the apparatus further comprises: and the fund freezing module is used for freezing funds with the same amount as the corresponding deduction amount in each target prepaid recharge bill and updating the available amount of each target prepaid recharge bill.

According to a further embodiment, the device further comprises: and the fund unfreezing module is used for unfreezing the fund corresponding to each target prepaid charging bill in response to the fact that the prepaid settlement bills are invalidated or the settlement result indicates that the settlement fails.

According to a further embodiment, the apparatus further comprises: and the pre-payment account creating module is used for creating the pre-payment account according to the pre-payment recharging request under the condition that the pre-payment account is not found.

According to one embodiment of the present invention, creating the prepaid account according to the prepaid recharge request comprises:

According to another embodiment of the invention, the apparatus further comprises: and the data analysis billboard generation module is used for generating a data analysis billboard according to the prepaid account, the real-time prepaid recharge bill and the prepaid settlement bill.

It should be noted that, in the embodiment of the present invention, the detailed implementation of the apparatus for money management has been described in detail in the above method for money management, and therefore, the repeated content is not described again here.

According to the technical scheme of the embodiment of the invention, the target prepaid recharge bill and the deduction amount thereof are determined through the settlement amount, the settlement bill can be associated with the recharge bill, and the flexibility of payment of funds in the prepaid account is improved; the fund settlement is carried out according to the settlement bill, and the available amount of the prepaid recharge bill is updated, so that the fund condition in the prepaid account can be clearer, and the detailed degree of the fund management of the prepaid account is improved; the fund with the same amount as the deduction amount is frozen and the available amount is updated, so that the condition that the expenditure of the target prepaid recharge bill exceeds the amount of the target prepaid recharge bill can be avoided, and the fund use plan can be conveniently formulated according to the available amount; the data analysis billboard is generated according to the pre-payment account, the real-time pre-payment recharging bill and the pre-payment settlement bill, the using condition of funds in the pre-payment account can be presented in real time, and the pre-payment deduction and verification, the financial fund control and the actual cost verification and analysis are facilitated.

According to a third aspect of the embodiments of the present invention, there is provided an electronic device for money management, including: one or more processors; the storage device is configured to store one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to implement the method provided by the first aspect of the embodiments of the present invention.

According to a fourth aspect of embodiments of the present invention, there is provided a computer-readable medium, on which a computer program is stored, which when executed by a processor, performs the method provided by the first aspect of embodiments of the present invention.

Fig. 7 illustrates an exemplary system architecture 700 to which the method of money management or the apparatus of money management of an embodiment of the invention may be applied.

As shown in fig. 7, the system architecture 700 may include

terminal devices

701, 702, 703, a network 704, and a server 705. The network 704 serves to provide a medium for communication links between the

terminal devices

701, 702, 703 and the server 705. Network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

A user may use the

terminal devices

701, 702, 703 to interact with a server 705 over a network 704, to receive or send messages or the like. Various communication client applications, such as a money management application, an account status presentation application, a search application, an instant messaging tool, a mailbox client, social platform software, etc. (for example only), may be installed on the

terminal devices

701, 702, 703.

The

terminal devices

701, 702, 703 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 705 may be a server providing various services, such as a background management server (for example only) supporting data write requests sent by the

upstream end devices

701, 702, and 703. The background management server can respond to the received prepayment recharging request, generate a prepayment recharging bill and associate the prepayment recharging bill with the corresponding prepayment account; the prepaid recharge ticket comprises: a charging bill identification and an available amount; responding to a pre-payment deduction request aiming at the pre-payment account, determining partial or all pre-payment charging notes associated with the pre-payment account as target pre-payment charging notes according to the amount of the bill analyzed from the pre-payment deduction request, determining the deduction amount of each target pre-payment charging note, and generating a pre-payment settlement note; the prepaid balance ticket includes: the settlement bill identification, the recharge bill identification and the deduction amount of each target prepayment recharge bill; carrying out fund settlement according to the pre-payment settlement bill, and updating the available amount of each target pre-payment recharge bill according to a settlement result; and feeds back funds to the terminal device for the prepaid account, by way of example only.

It should be noted that the method for money management provided by the embodiment of the present invention is generally executed by the server 705, and accordingly, the money management apparatus is generally disposed in the server 705. The method for money management provided by the embodiment of the present invention may also be executed by the

terminal devices

701, 702, and 703, and accordingly, the money management apparatus may be disposed in the

terminal devices

701, 702, and 703.

It should be understood that the number of terminal devices, networks, and servers in fig. 7 are merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 8, shown is a block diagram of a computer system 800 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.

As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU) 801 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM 803, various programs and data necessary for the operation of the system 800 are also stored. The CPU 801, ROM 802, and RAM 803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.

The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that the computer program read out therefrom is mounted on the storage section 808 as necessary.

In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program performs the above-described functions defined in the system of the embodiment of the present invention when executed by the Central Processing Unit (CPU) 801.

It should be noted that the computer readable medium shown in the embodiment of the present invention may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In embodiments of the invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In an embodiment of the invention, a computer readable signal medium may comprise a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer programs according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a prepaid recharge ticket generating module, and a funds settlement module, wherein the names of these modules do not in some cases constitute a limitation on the module itself, e.g., the prepaid recharge ticket generating module can also be described as a "module that generates a prepaid recharge ticket in response to a prepaid recharge request".

As another aspect, an embodiment of the present invention further provides a computer-readable medium, which may be included in the apparatus described in the above embodiment; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, implement the method of: in response to receiving a prepaid recharge request, generating a prepaid recharge bill, and associating the prepaid recharge bill with a corresponding prepaid account; the prepaid recharge sheet comprises: a charging bill identification and an available amount; responding to a pre-payment deduction request aiming at the pre-payment account, determining partial or all pre-payment charging notes associated with the pre-payment account as target pre-payment charging notes according to the amount of the bill analyzed from the pre-payment deduction request, determining the deduction amount of each target pre-payment charging note, and generating a pre-payment settlement note; the prepaid billing statement comprises: the settlement bill identification, the recharge bill identification and the deduction amount of each target prepayment recharge bill; and carrying out fund settlement according to the pre-payment settlement bill, and updating the available amount of each target pre-payment recharge bill according to a settlement result.

The above detailed description does not limit the scope of the embodiments of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the embodiments of the present invention should be included in the scope of the embodiments of the present invention.

Claims

1. A method of money management, comprising:

2. The method of claim 1, wherein determining some or all of the prepaid bills associated with the prepaid account as target prepaid bills, determining a deduction amount for each of the target prepaid bills, comprises:

3. The method of claim 1, after generating the prepaid statement, further comprising:

4. The method of claim 3, further comprising, after freezing funds in each of the targeted prepaid recharge tickets in an amount equal to the corresponding amount to be withheld:

5. The method of claim 1, further comprising, prior to associating the prepaid recharge ticket with the corresponding prepaid account:

6. The method of claim 5, wherein creating the prepaid account based on the prepaid recharge request comprises:

7. The method of claim 1, further comprising:

8. An apparatus for money management, comprising:

the prepaid recharge bill generation module is used for responding to the received prepaid recharge request, generating a prepaid recharge bill and associating the prepaid recharge bill with a corresponding prepaid account; the prepaid recharge ticket comprises: the identification of the charging bill and the available amount;

9. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

the one or more programs, when executed by the one or more processors, implement the method of any of claims 1-7.

10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.